INSURANCE

(Part-I)

S. Madushanka
B.Sc (Mgt) Accounting (Special) (U.G)
University of of Sri Jayewardenepura
 rlaIKh
rlaIs;hd úiska jdßl f.ùug;a" rlaIs; Wmøj
fya;=fjka rlaIs;hdg isÿ úh yels w,dN i|yd
rlaIlhd úiska jkaÈ f.ùug;a" rlaIs;fhl= yd
rlaIlfhl= w;r we;s lr .kakd tlÕ;dj rlaIKh
f,i ye¢kaúh yels h'

wjodku
rlaIKfha § uQ,Huh jYfhka weia;fïka;= l< yels
ydkshla isÿ ùug we;s bvlv wjodkula f,i w¾:
±laúh yels h'

jHdmdr lghq;= lr f.k hdfï § isÿ úh yels

úúOdldr wjodkï

ksoiqka (
 jHdmdrh .sks .ekSu

 fidri;=re Wjÿre

 jHdmdrh mdvq ,eîu

 jHdmdrfha foam<j,g isÿ úh yels ydks

rlaIKh j¾. lsrSu
wjodkï" rlaIKh l< yels wjodkï yd rlaIKh
l< fkd yels wjodkï f,i j¾. l< yels h'

rlaIKh l< yels wjodkï

rlaIKh l< yels wjodkï i|yd WodyrK

f.dvke.s,s .sks .ekSu u.ska isÿ jk

wjodkï

r:jdyk wk;=re wjodkï


ud¾.ia: uqo,aj,g isÿ jk ydks

Kh.e;shl=f.ka ,eìh hq;= uqo,a fkd

,eîfï wjodku
rlaIKh l< yels wjodkïj, ;sìh hq;=
,laIK

wjodku mqfrdal:kh l< yels ùu

wkd.;fha isÿ úh yels wjodku uQ,Huh

jYfhka ;lafiare l< yels ùu

wjodku ksh; fkd úh hq;= ùu' tkï

w,dNh isÿ úh hq;af;a wyUq f,i ùu

iïnkaO;dj,ska f;dr ùu' tkï isÿ jQ mdvqj

fjk;a rlaIs; w,dN yd iïnkaO fkd úh hq;=
h'

i;Hdmkh l< yels ùu' tkï w,dNh isÿ

ùfï fya;=j" ia:dkh" fõ,dj yd m%udKh
úYaf,aIKh l< yels úh hq;= h'
rlaIKh l< fkdyels wjodkï
rlaIKh l< yels wjodkula ùu i|yd rlaIKh l<
yels wjodkïj, ;sìh hq;= ,laIK bgq ùu wjYH
fõ'

tu lreKq bgq fkd jkafka kï tajeks wjodkï

rlaIKh l< fkd yels wjodkï fõ'

rlaIKh l< fkd yels wjodkï i|yd

WodyrK


jHdmdrh mdvq ,eîu

 iajNdúl fya;+ka ksid we;s jk wjodkï

^laIhùï" h,amekSï" jdIamùï&

;u yelshd yd Yla;sh u; ;SrKh jk

wjodkï ^úNd. wiu;a ùu" wdorh wysñ ùu&


fudaia;r fjkiaùï ksid isÿ jk wjodkï
jHdmdrj, meje;au i|yd rlaIKh
jeo.;a jk wdldrh

rlaIKh u.ska jHdmdr wjodkï wdjrKh

lrk ksid jHdmdr wdrïN lsÍug wdfhdaclhska
fm<öu

wdndê; ;;a;ajhl § fyda urKhl §

uQ,Huh wdrlaIdj ,eîu ^fiajlhkag&

rlaIK iud.ï ;uka i;= wruqo,a kej;

wdfhdackh lsÍfuka rfÜ wd¾Ól ixj¾Okhg
wjYH m%d.aOkh iemhSu

uqyqÿ Wjÿre rlaIKh ksid cd;Hka;r

fjf<|u ÈhqKq ùuhs

rlaIK .súiqu
rlaIK .súiqula hkq rlaIK wdjrKhla ,nd .ekSug
wfmalaId lrk mqoa.,hd bÈßm;a lrk rlaIK
fhdackd m;%hla" rlaIK wdh;kh úiska ms<s.ekSfuka
miq tu fomd¾Yajh w;r we;s lr .kakd ,sÅ;
tlÕ;djhs'

rlaIK Tmamqj
rlaIK Tmamjq hkq lishï Ôú;hlg fyda foam<hlg
wod< j rlaIK .súiqula we;s jQ miq j Bg wod< j
rlaIK iud.u úiska rlaIs;hdg fokq ,nk ,sÅ;
iy;ls hhs'
rlaIK .súiqulg iïnkaO md¾Yaj
m<uq mlaIh ^rlaIs;hd&

rlaIK fhdackdj bÈßm;a lrkakd fyj;a

rlaIK wdjrKh ,nd .kakd mqoa.,hd

fojk mlaIh - ^rlaIlhd&

rlaIK fhdackdj ms<s.kakd md¾Yajh fyj;a

rlaIK iud.u

fuhg wu;r j f;jk mlaIh kñka md¾Yajhla o

isáh yels h' f;jk mlaIh hkq .súiqfï
ls%hdldß;ajh ;=<ska we;s jk ndysr mlaI ms<sn|
iïnkaO;djhs'
rlaIK .súiqula j,x.= ùu i|yd
mej;sh hq;= uQ,sldx.

ffk;sl ne£ula we;s lr .ekSfï woyi

w¾mkh fyj;a fhdackdj

m%;s.%yKh fyj;a ms<s.ekSu

ffk;sl nj - kS;shg tlÕ nj

ta ta md¾Yajhkag ffk;sl ne£ula we;s lr

.ekSug we;s yelshdj






INSURANCE
(Part-II)

S. Madushanka
B.Sc (Mgt) Accounting (Special) (U.G)
University of of Sri Jayewardenepura
rlaIK uq,O¾u
rlaIK jHdmdrh l%uj;aj mj;ajdf.k hdu i|yd
wkq.ukh l< hq;= uq,O¾u rlaIK uq,O¾u kï fõ'

rlaIK uq,O¾u
rlaIH ysñlu

Wmßu úYajdih

ydksmQ¾Kh

wdfoaYkh

odhl;ajh

wdikak u fya;=j

rlaIH ysñlu
hï úIh jia;=jla mej;Sfuka wd¾Óluh jdishl=;a"
th wysñùfuka wd¾:sluh wjdishl=;a we;s jk ´kE
u fohla iïnkaOj we;s ysñlu" rlaIH ysñlu fõ'

ksoiqka (

iajdñmqreIhdf.a Ôú;h ms<sn| Nd¾hdjg;a"

Nd¾hdjf.a Ôú;h ms<sn| j iajdñhdg;a rlaIH
ysñlu;a we;'

hï foam<l kS;Hdkql+, whs;slreg tu foam<

ms<sn| j rlaIH ysñlula we;' ^;udf.a fudag¾
r:h" bvï jeks&

Kh ysñfhl=g Kh .e;sfhl=f.a Ôú;h ;u

Kh m%udKh olajd rlaIKh lsÍug ysñlula
we;'

Wmßu úYajdih
rlaIKh lrkq ,nk úIh jia;=j iïnkaOfhka
rlaIlhd iy rlaIs;hd úiska fy<sorõ l< hq;=
rlaIK .súiqug wod< ish¨ f;dr;=re ioaNdjfhka
hq;= j fy<sorõ lsÍu Wmßu úYajdih fõ'

ydks mQ¾Kh
hï rlaIs; foam<lg ydkshla jQ úg tu foam< h:d
;;a;ajhg m;alr .ekSug m%udKj;a jkaÈ uqo,la
muKla f.ùu ydks mQ¾Kh f,i y÷kajhs'

ksoiqka (
remsh,a ,laI 40 la jákd fudag¾ r:h tu uqo,g
u rlaIKh lr we;s wjia:djl re' ,laI 2'5 l
w,dNhla isÿ jqj fyd;a jkaÈ jYfhka re' ,laI
2'5 la muKla ,eîu
odhl;ajh uQ,O¾uh
hï foam<la rlaIK wdh;k lsysmhl rlaIKh lr
we;s úgl tu foam<g hï ydkshla isÿ jQ úgl ta
i|yd ish¨ u rlaIK iud.ï wkqmd;sl j odhl ù
jkaÈ f.ùu odhl;ajh uQ,O¾uh f,i y÷kajhs'

ksoiqka (
remsh,a ,laI 10 l foam<la A, B yd C hk
rlaIK iud.ï ;=kl wkqms<sfj,ska ,laI 5"
,laI 3 yd ,laI 2 ne.ska rlaIKh lr we;s úgl
tu foam<g re' 100 000 l ydkshla isÿ jqfha kï
5( 3( 2 wkqmd;hg A re' 50 000 la o re' 30
000 la o C re' 20 000 la o jYfhka jkaÈhg
odhl fõ'
wdfoaYk uQ,O¾uh
rlaIs; foam<lg isÿ jQ ydkshl § rlaIK iud.u
jkaÈ f.ùfuka miq j ndysr md¾Yajhkaf.ka
rlaIs;hdg ,nd .; yels fjk;a jdis yd whs;Ska
rlaIlhd mjrd .ekSu wdfoaYk uQ,O¾uh f,i
y÷kajhs'

ksoiqka (
remsh,a ,laI 50 lg rlaIKh l< fudag¾
r:hlg isÿ jQ wk;=rlska tu r:h uq¿ukska u
úkdY jqfha kï" rlaIK iud.u re' ,laI 50 u
jkaÈ jYfhka f.jk w;r fudag¾ r:fha iqkanqka
jákdlu mjrd .kS'

wdikak u fya;=j uQ,O¾uh
rlaIs; foam<lg fyda cSú;hlg isÿ jQ ydkshl § tu
ydksh isÿ ùug fya;= lsysmhla n,md we;s úfgl"
ydksh isÿ ùug n,mE wdikak u fya;=j rlaIK
Tmamqfjka wdjrKh ù we;akï muKla jkaÈ f.jk
nj wdikak u fya;=j uQ,O¾ufhka oelafõ'

ksoiqka (
fidrìh rlaIK Tmamqjla ysñ mqoa.,fhl=g ;u
ksjig .skaklska ydkshla isÿ jqj fyd;a jkaÈ
,nd .; fkd yels h' thg fya;=j ydksh isÿ
ùug n,mE fya;=j jk .skak fidrìh rlaIK
Tmamqfjka wdjrKh ù fkd ;sîuhs'
cSú; rlaIKh iïnkaOfhka jeo.;a
lreKq
cSú; rlaIKh iïnkaOfhka rlaIH ysñlu" Wmßu
úYajdih yd wdikak u fya;=j hk uQ,O¾u muKla
wod< fõ' ydksmQ¾K uq,O¾uh yd thg wh;a
WmuQ,O¾u jk odhl;ajh yd wdfoaYkh hk uQ,O¾u
cSú; rlaIKhg wod< fkd fõ'

thg fya;=j cSú;h ydks ùfuka fyda wk;=rg m;a

ùfuka jk ydksh uqo,ska ueksh fkd yels ùu;a th
h:d ;;a;ajhg m;a l< fkdyels ùu;a h'

cSú; rlaIKfha § Tmamqfõ i|yka hï ksYAÑ;

jákdlula jkaÈ jYfhka m%odkh flf¾'
m%;srlaIKh
rlaIK iud.ula úiska Ndr .kakd ,o rlaIK
wjodkula tu wdh;kh úiska ;j;a rlaIK
iud.ul fyda lsysmhl rlaIKh lsÍu m%;srlaIKh
f,i y÷kajhs' m%;srlaIKh u.ska rlaIK iud.ïj,
j.lSu ú;eka l< yels ksid rlaIs;hdf.ka wh lrkq
,nk jdßl uqo, wvq uÜgul mj;S'

m%drlaIKh
úYd, jákdlula we;s j;alula iïnkaOfhka we;s
wjodkula fldgia jYfhka fjka lr rlaIK iud.ï
lsysmhlg Ndr §u yd wk;=rla isÿ jQ úg ;uka
Ndr.;a wjodkfï m%udKhg ta ta rlaIK iud.ï
jkaÈ f.ùu
m%drlaIKh f,i y÷kajhs'
INSURANCE
(Part-III)

S. Madushanka
B.Sc (Mgt) Accounting (Special) (U.G)
University of of Sri Jayewardenepura
rlaIK j¾.
Ôú; rlaIKh $ È.=ld,Sk rlaIKh

idudkH rlaIKh

cSú; rlaIKh $ È.=ld,Sk rlaIKh

(Life Insurance)

rlaIs;hdf.a urKh iy fjk;a YdÍßl Wmøj

fya;=fjka wjodkïj,g uqyK
q mE úg rlaIs;hdg fyda
Tyqf.a hefmkakkag uQ,Huh m%;s,dN ,nd §u Ôú;
rlaIKfha § isÿ fõ'

Ôú; rlaIKfha wruqKq jkafka urKh" wl¾ukH;dj

fyda uy¨úhg m;aùfï m%;sM,hla jYfhka hï
mqoa.,fhl=g isÿ úh yels ydks fjkqfjka
wdrlaIdj i,id .ekSuhs'

Ôú; rlaIKh hï ksYaÑ; ld,iSudjla i|yd ,nd

.kakd w;r" rlaIs;hd tlS ld,iSudj ;=< ñh
.shfyd;a tlÕ jQ uq¿ rlaIs; jákdlu hefmkakkag
fyda kï l< mqoa.,hdg ysñ jk w;r" rlaIs;hd tlS
ld, iSudj wjika jk f;la Ôj;a j isáh fyd;a
ld,iSudj wjidkfha rlaIK Tmamqfõ jáklu yd
m%;s,dN rlaIs;hdg ,nd .; yels h'
Ôú; rlaIKh fiiq rlaIKj,ska fjkia
jk wdldrh
Ôú; rlaIKfha wjodku ksYaÑ; w;r fiiq
rlaIKj, wjodku ksYaÑ; fkd ue;'

Ôú; rlaIKh iïnkaO j ydksmQ¾K uQ,O¾uh

wod< fkd jk w;r" fiiq rlaIK i|yd fuu
uQ,O¾u wdod< fõ'

Ôú; rlaIKh b;sß lsÍulg iudk jk w;r"

fiiq rlaIK i|yd jkaÈ ,nd .; yels jkafka
ydkshla isÿ jqjfyd;a muKs'

Ôú; rlaIK Tmamqj mejßh fkd yels w;r" fiiq

rlaIK Tmamq mejreh yels h'





idudkH rlaIKh ^General Insurance&

idudkH rlaIK j¾.

.sks rlaIKh

fidrìh rlaIKh

iajdNdúl úm;a rlaIKh

iuqøSh rlaIKh

fudag¾ r: rlaIKh

j.lSï rlaIKh

ud¾.ia: NdKav rlaIKh

ud¾.ia: uqo,a rlaIKh


.sks rlaIKh ^Fire Insurance&
lsishï mqoa.,fhl=g" f.dvke.s,s fyda fjk;a
j;alïj,g .skafkka isÿ úh yels ydks wdjrKh lr
.ekSu i|yd ,nd .; yels rlaIKh .sks rlaIKh
fõ'

.sks rlaIKh hgf;a .sks ydksj,g wu;r j w;sf¾l
jdßl uqo,a f.ùfuka .sks rlaIK Tmqmaj §¾> lr
.ekSug yelshdj ,efí'
.sks rlaIKh u.ska wdjrKh lr .ekSug yels
wjodkï

ler,s flda,dy,$jev j¾ck ydks

msmsÍï ydks

úÿ,suh wdmod ydks

N+ñ lïmd $iqkdñ

c, .e,Sï" iq<s iq<x$ l=Kdgq jeks

.=jkahdkd wk;=re

.eàï ydks

wdkqYx.sl w,dN ydks

fidrìh rlaIKh ^Theft Insurance&
jHdmdßl ia:dkj, fyda ksjdij, isÿ úh yels
fidrìh wjodku wdjrKh lr .ekSu i|yd fidrìh
rlaIK Tmamq ,nd .; yels h'

iajNdúl úm;a rlaIKh

^Natural Disaster Insurance&

l=Kdgq jeks foaj,ska foam,j,g isÿ jk ydks

wdjrKh i|yd iajNdúl úm;a rlaIKdjrKhla ,nd
.ekSug yels h'

iuqøSh rlaIKh ^Marine Insurance&

uqyqÿ ud¾. m%jdykfha § kejg yd keõ nvqj,g isÿ

úh yels ydks iuqøSh rlaIKh u.ska wdjrKh fõ'

iuqøSh rlaIKfha uQ,sl fldgia

keõl| rlaIKh ^Hull&

keõ nvq rlaIKh ^Cargo&

keõl| rlaIKh hgf;a ,nd .ekSug yels

úúO rlaIK Tmamq j¾.

ish¨ wjodkï Tmamj

q

mQ¾K w,dNh muKla f.jk Tmamqj

f;dgqm, Tmamqj

w¨;ajeähd Tmamqj

;ekSï ydks Tmamqj

keõnvq rlaIKh hgf;a ,nd .ekSug yels
úúO Tmamq j¾.

we.hq Tmamqj

újD; Tmamj
q $p, Tmamqj

wkd.; wdjrK Tmamqj

fudag¾ r: rlaIKh
^Motor Traffic Insurance&

r:jdyk wk;=rej,ska fudag¾ r:j,g" fudag¾ r:j,

.uka .kakd whg yd ndysr md¾Yajhkag isÿ úh yels
ydks i|yd jkaÈ ,nd .ekSu msKsi r:jdyk ysñfhl=
yd rlaIK iud.ula w;r we;s lr .kakd
tlÕ;djhhs'

fudag¾ r: jdyk rlaIKh hgf;a ,nd .;

yels rlaIK Tmamq j¾.

iïmq¾K j.lSï iys; rlaIK Tmamqj$

úia;S¾K rlaIK Tmamqj

f;jk md¾Yaj .sks yd fidrìh rlaIKh

wju f;jk md¾Yaj rlaIKh

iïmq¾K j.lSï iys; rlaIK Tmamqj

iïmq¾K j.lSï iys; rlaIK Tmamqj u.ska wod<

jdykhg" jdykfha .uka .kakd mqoa.,hskag yd
foam<j,g isÿ jk ydks wdjrKh fõ'

f;jk md¾Yaj .sks yd fidrìh rlaIKh

f;jk md¾Yaj .sks yd fidrìh rlaIKh u.ska wod<

jdykhg .skafkka yd fidrlï lsÍïj,ska isÿ jk
ydksj,g wu;r j ndysr mqoa.,hskag yd foam<j,g"
isÿ jk ydks wdjrKh fõ'

wju f;jk mlaI rlaIKh

wju f;jk mlaI rlaIKh u.ska f;jk

md¾Yajhkag" foam,j,g isÿ jk ydks muKla
wdjrKh fõ' fudag¾ r:hla uyd ud¾.fha Odjk
lsÍu i|yd wju jYfhka wju f;jk mlaI rlaIK
Tmamqj fyda ,nd .; hq;= h'
j.lSï rlaIKh (The Liability
Insurance)
j.lsï rlaIKh hkq fjk;a md¾Yajhkag isÿ jk mdvq
ms<sn| j we;s jk j.lSu rlaIKh lsÍuhs' fuu
rlaIKh ksid jHdmdßlhskag Tjqka ksid fjk;a
md¾Yajhkag isÿ jk ydks ms<sn| j.lSfuka wdrlaId
ùug yels fõ'

j.lSï rlaIKh hgf;a ,nd .; yels

j.lSï rlaIK Tmamq j¾.

fmdÿ ^uyck& j.lSï rlaIKh

^General Liability Insurance&

foam< fyda jHdmdr lghq;=j,ska mek ke.sh yels

wyUq isoaëka ksid ;=kajk md¾Yajhlg isÿúh yels
ydks fjkqfjka tu foam< whs;slre úiska fyda
jHdmdßlhska úiska ,nd .kakd rlaIKdjrKhhs'
ksIamdok j.lSï rlaIKh
^Product Liability Insurance&

jHdmdrhla wf,ú lrk ksIamdÈ; mdßfNdackh

lsÍfuka mdrsfNda.slhskag isÿúh yels ydks wdjrKh
lsÍu i|yd jHdmdßlhska úiska ,nd .kakd
rlaIKdjrKhhs'

fiajH j.lSï rlaIKh
^Employer Liability Insurance&

fiajfha fh§ isáh § fiajlhskag isÿ jk wk;=re

fjkqfjka jkaÈ f.ùu fiajHdf.a j.lSuhs' tjeks
wjia:djl jkaÈ f.ùfï j.lSu rlaIK wdh;khlg
mejßh yels h'

;uka hgf;a fiajh lrk whg fiajfhys fh§ isáh

§" fiajfha fh§u ksid u we;sjkakd jQ ;=jd, yd
wikSm fjkqfjka jkaÈ f.ùu i|yd fiajHhka úiska
,nd .kakd rlaIKh fiajd fhdacl j.lSï rlaIKh
fõ'
ud¾.ia: NdKav rlaIKh

ud¾.ia: NdKav rlaIKfha § f.dvìñka NdKav

m%jdyKh lsrSu i|yd m%jdyk udOHhg NdKav meg jQ
wjia:dfõ isg tu NdKav f.dvnEu olajd jq wjia:dj
olajd isÿ úh yels ydks wdjrKh i|yd ,nd.kakd
rlaIKh ud¾.ia: NdKav rlaIKh fõ'

ud¾.ia: uqo,a rlaIKh

tla ia:dkhl isg ;j;a ia:dkhlg uqo,a /f.k
hdfï oS isÿ úh yels ydks wdjrKh i|yd ,nd .kakd
rlaIKh ud¾.ia: uqo,a rlaIKhhs'


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“The A/L notebook website is a dedicated online platform designed to provide
comprehensive study materials and notes specifically tailored for students preparing for the
General Certificate of Education Advanced Level (GCE A/L) examinations for free. The website
offers a wide range of resources, including detailed subject notes, past exam papers, practice
questions, and study guides. These materials cover various subjects and are curated by
experienced educators to ensure they align with the curriculum and exam requirements.”